The moderation effect of gender on accepting electronic payment technology: a study on United Arab Emirates consumers

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Muhammad Turki Alshurideh ◽  
Barween Al Kurdi ◽  
Ra’ed Masa’deh ◽  
Said A. Salloum
Keyword(s):  
United Arab Emirates ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Content Type ◽  
Moderation Effect ◽  
Perceived Security ◽  
The Common

Purpose This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if trust, perceived usefulness and perceived ease of use influence consumers’ intentions to use the e-payment system which is supported by testing the moderation effect of gender on the intention to use such systems in the higher education institutes. Design/methodology/approach In total, 850 participants from United Arab Emirates (UAE) universities have filled an online questionnaire prepared for these aims. The survey instrument is composed of 22 items. The primary data was used to test the study model, proposed constructs and the study hypotheses using the Smart PLS Software. Findings The research confirmed that perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study found that trust, perceived usefulness and perceived ease of use have anticipated the significance of consumers’ intention to use e-payment system which is found also moderated by gender. Research outcomes indicated an important contribution towards the acceptance of e-payment systems and the common design of e-commerce systems. Originality/value Research outcomes have indicated an important contribution toward the acceptance of e-payment systems and the common design of e-commerce systems. Additionally, this study helped in increasing the reader’s understanding of various aspects of e-commerce, specifically consumers’ trust and privacy protection which consequently allows the online sellers to formulate appropriate strategies and actions imperative to serve the online purchasers and target the internet users.

Examining the intentions of a Ghanaian technical university students to use e-library

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Eugene Okyere-Kwakye ◽  
Khalil Md Nor
Keyword(s):  
University Students ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Library Resources ◽  
Technical University

Purpose Electronic library (E-library) is a form of computer mediated system that uses electronic media, such as Web/internet devices and distributes resources to improve on the quality of teaching and learning. Students’ use of e-library for learning is essential and as such the government has invested hugely into its subscription for several university libraries in Ghana. However, most university students feel reluctant to use the e-library resources for their studies. The purpose of this paper is therefore to examine the factors that influence students’ intention to use e-library resources for their studies. Design/methodology/approach Questionnaire was used to collect data from 200 students from one Technical University in Ghana. Structural equation modeling (SmartPLS) was used to analyze the data. Findings The study found that accessibility, attitude, perceived ease of use, perceived usefulness and relevance to studies have positive significant effect on students’ attitude to use e-library. In addition, self-efficacy, subjective norm and attitude have positive significant influence on students’ intention to use e-library. Research limitations/implications Although the sample frame used for this study may be unique, but the total amount of data collected was limited to providing the general representative of the Ghanaian students in one particular university. Other researchers may consider collecting data from other universities to extend the sample frame for a larger sample size of students. Practical implications Academic administrators need to organize training and workshops on how to use the e-library portal for their search and other didactic assignments. Most importantly, students should be given IT or internet tutorials as foundation for the use of the e-library portal. Social implications Universities have to provide internet access such as hotspot and network routers at the labs, classrooms and other vantage points. It is believed that with these in place, adequate access to the internet would promote students’ engagement on the e-library facility. Originality/value The study examines the factors that influence students’ intention to use e-library resources for their studies in Ghana.

Factors Influencing Citizens' Intention to Use E-Government Services

2017 ◽  
Vol 13 (1) ◽  
pp. 14-32 ◽  
Author(s):  
Isaac Kofi Mensah ◽  
Mi Jianing ◽  
Dilawar Khan Durrani
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Korean Students ◽  
Moderation Effect ◽  
Perceived Service Quality ◽  
Government Services

The purpose of this research paper is to investigate the determinates of Korean students in China to use e-government services. A total of 400 structured research questionnaire instruments was designed and administered to potential respondents of which 93.75% responded. The Technology Acceptance Mode (TAM) was used as a theoretical framework for this study. The data gathered was analyzed with SPSS version 20. The results show that all the predictors (Perceived Usefulness, Perceived Ease of Use, Perceived Service Quality, and Citizen Trust) investigated are significant positive determiners of Korean students' intention to adopt and use e-government services. The results further indicated that Citizen Trust positively and significantly moderated the positive relationship between perceived ease of use, perceived service quality and intention to use e-government services but failed to show any positive moderation effect on perceived usefulness and intention to use e-government services. The implications of these findings are further discussed.

scholarly journals From offline shopping to online shopping in Nigeria: evidence from African emerging economy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ambrose Ogbonna Oloveze ◽  
Chinweike Ogbonna ◽  
Emmanuel Ahaiwe ◽  
Paschal Anayochukwu Ugwu
Keyword(s):  
Social Influence ◽  
Direct Effect ◽  
Indirect Effect ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type

PurposeThe study builds on studies in online shopping. Existing studies in online shopping proved that it is an attraction to shoppers. In Nigeria's emerging economy the increasing Internet penetration does not equate with intention to use online shopping because it is not really used by users for online shopping. Consumers are considering it unattractive because of serious concerns that border on product quality of online shops and poor know-how on e-tech. The study sought to explore factors that could mitigate challenges to successful online shopping in Nigeria's emerging economy.Design/methodology/approachOnline survey method was used to sample 246 respondents. Measurement items were adapted from related literature. Confirmatory factor analysis and content validity were used to check the reliability and validity. A set of fit indices were used to check the goodness of fit. Data was analysed using structural equation model.FindingsResults indicate direct effects of consumer attitude, perceived usefulness and social influence on intention to use online shopping with consumer attitude shown to have a greater degree of importance towards intention to use online shopping. Thus, consumers' attitude of browsing online and going offline for purchases is dependent on attitude of like or dislike. Perceived ease of use, social influence and perceived usefulness had an indirect positive effect on consumer attitude to intention to use online shopping. Social influence is indicated to have a direct positive effect on perceived ease of use. Also perceived ease of use had a positive and direct effect on perceived usefulness.Research limitations/implicationsThe sample size is not large enough and the use of snowball sampling limits representativeness.Practical implicationsThe study indicated vital factors African emerging economies like Nigeria can use to improve consumer confidence towards intention to use online shopping and drive cashless policies. Several studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on intention to use online shopping.Originality/valueSeveral studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on online shopping.

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

scholarly journals Pertimbangan dan Sikap Milenial terhadap Minat Menggunakan E-Wallet: Pada Masa PSBB Pandemi Covid-19 di Kota Tangerang

2020 ◽  
Vol 3 (2) ◽  
pp. 64-81
Author(s):  
Humairoh Humairoh ◽  
Andi Kasuma Negara ◽  
Siti Asriah Immawati
Keyword(s):  
Large Scale ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Paper Money ◽  
Digital Transactions ◽  
Intervening Variables

The government's policy to prevent or reduce the spread of the Covid-19 virus is to enforce the Large-Scale Social Restrictions (LSSR) so that transactions that previously use paper money and cash turn into digital transactions. So far, e-wallets are considered as a transaction facility that makes it easier for users. This study aims to analyze the differentiation attributes that affect millennial considerations and attitudes towards using to intention to use e-wallets during LSSR Covid-19 on millennials in Tangerang City. The research sample was 96 respondents using purposive sampling technique, namely millennials who use e-wallets in making payments. The instrument used was a structured questionnaire with a Likert scale of 1-5, data processing using the Smart PLS program. This study's results, the intention to use e-wallet of the millennial generation, were influenced by brand image, perceived ease of use, perceived usefulness through consideration millennial, and attitudes toward using as intervening variables with R2 adjusted 0.638. This study's results have implications for SMEs business actors to switch payment systems from cash payments to payments using e-wallets.

Factors Affecting University Students' Intention to Use Cloud Computing in Jordan

2017 ◽  
Vol 12 (1) ◽  
pp. 51-65 ◽  
Author(s):  
Khalid Ali Rababah ◽  
Mohammad Khasawneh ◽  
Bilal Nassar
Keyword(s):  
Cloud Computing ◽  
Quantitative Research ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Research Approach ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Perceived Security ◽  
Multiple Regression Technique

The aim of this study is to examine the factors affecting students' intention to use cloud computing in the Jordanian universities. To achieve this purpose, a quantitative research approach which is a survey-based was deployed. Around 400 questionnaires were distributed randomly to Information Technology (IT) students at four universities in Jordan and only 236 valid questionnaires were received. Using multiple regression technique, the results revealed that perceived usefulness, perceived ease of use, perceived security, perceived speed of access, and perceived cost of usage were significantly influencing the students' intention to accept and use cloud computing while the Affect was not. Furthermore, the results indicated that the developed model explains 50.4% of the variance in the students' intention to use cloud computing. Practically, the results of this study are considered fruitful for the universities and students to increase the usage of cloud computing in the educational settings.

scholarly journals Factors affecting intention to use e-banking in Jordan

2019 ◽  
Vol 38 (1) ◽  
pp. 86-112 ◽  
Author(s):  
Abdel Latef M. Anouze ◽  
Ahmed S. Alamro
Keyword(s):  
Customer Value ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Factors Affecting

Purpose Despite the wide availability of internet banking, levels of intention to use such facilities remain variable between countries. The purpose of this paper is to focus on e-banking in a country with low intention to use e-banking – Jordan – and to explain the slow uptake. Design/methodology/approach A quantitative method employing a cross-sectional survey was used as an appropriate way of meeting the research objectives. The survey was distributed to bank customers in Amman, Jordan, collecting a total of 328 completed questionnaires. SPSS and AMOS software were used, and multiple regression and artificial neural networks were applied to determine the relative impact and importance of e-banking predictors. Findings The statistical techniques revealed that several major factors, including perceived ease of use, perceived usefulness, security and reasonable price, stand out as the barriers to intention to use e-banking services in Jordan. Originality/value This study theorizes a series of implications on intention to use e-banking. It draws the attention of Jordanian banks to the full functionality of their e-banking systems, emphasizing positive safety features, which could contribute to changing negative customer perceptions. It also contributes to eliciting the theory of customer value among banks by focusing on how they should properly enhance their use of shared value. Moreover, it will present to managers how e-banking predictors can send meaningful and timely information to customers.

Perceived value of social media in students’ participation in social movement

2019 ◽  
Vol 35 (3/4) ◽  
pp. 244-258 ◽  
Author(s):  
Shohana Akter ◽  
Md. Anwarul Islam
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Reform Movement ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Tam Model ◽  
Use Of Social Media

Purpose The purpose of this study is to empirically investigate the use of social media (SM) and its influence for increasing students’ participation in the quota reform movement at the University of Dhaka, Bangladesh. Design/methodology/approach The revised technology acceptance model (TAM) was used to formulate this research’s hypotheses. A survey was administered to obtain data about students’ intention to use SM. The survey consisted of a set of questions based upon the revised TAM model. A total of 498 surveys were distributed and 304 students responded to it; hence, response rate was of 61.04%. A regression and single way ANOVA were conducted to test the hypotheses. Findings The results indicate that most of the students use SM for academic purposes and to get connected with friends. Among the social networking tools, Facebook is the most widely used by the respondents. Findings supported that perceived ease of use and perceived usefulness of SM affect student’s intention to increase participation in the quota reform movement. There were no significant relationships between gender and politics with the use of SM. Research limitations/implications A sample of students from Dhaka University was taken and the sample size was small. As a result, the findings of this study cannot be generalized in other settings. SM has a positive effect in the societies where change happens through collective actions. Originality/value Why and how students use SM has been widely discussed over the available literature, but students’ intention to use for it for social movements has not been studied. This study has made an effort to empirically examine the use of SM in the context of the quota reform movement in Bangladesh.

scholarly journals Investigating the factors driving adult learners' continuous intention to use M-learning application: a fuzzy-set analysis

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md Nahin Hossain ◽  
Md. Shamim Talukder ◽  
Abul Khayer ◽  
Yukun Bao
Keyword(s):  
Adult Learners ◽  
Fuzzy Set ◽  
Methodological Approach ◽  
Need Satisfaction ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type

PurposeIn the era of m-learning environments, multiple factors have been considered to explain adult learners' continuance usage intention, but largely without considering the role of specific configurations of variables and how they may affect learners' intention. The purpose of this study is to show how cognitive need, subjective norms, perceived usefulness, satisfaction, confirmation, attitude and perceived ease of use combine to predict learners' frequent use intentions.Design/methodology/approachIt is empirically validated through configurational analysis, using fuzzy-set qualitative comparative analysis (fsQCA) on 211 adult learners with experience in using Mobile learning applications (MLA).FindingsThe findings show learners' satisfaction of MLA usage combined with the cognitive need and attitude were found to be core conditions reinforcing learners' continuance intention.Research limitations/implicationsThis study was conducted in the context of adult learners MLA whereby the motivations for continued usage and the nature of technological innovation could differ. In this regard, findings from this study may not be generalizable to other technological contexts.Practical implicationsIn the planning and development of learning apps, software developers should pay attention to practical functions and extend key features that are frequently required for solving a problem using the new skill. On the marketing side, MLA companies should emphasize the full functionality of their apps to cater efficiently to the different needs and expectations of the learners.Originality/valueThis study contributes by extending existing knowledge on how cognitive need, satisfaction and attitude combine to increase or mitigate continuance intention to use toward the development of new configurational theories. This study fills the gap in the literature by introducing adult learners' continuance intention to use MLA and introducing through a methodological approach of fsQCA in adult learners' context.

Disclosing customers' intentions to use social media for purchase-related decisions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sumit Sangwan ◽  
Supran Kumar Sharma ◽  
Jyoti Sharma
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Adoption Studies ◽  
Content Type ◽  
Information Reliability

PurposeThe present study intends to shed light on behaviour of customers towards usage of social media for purchasing decisions. The study proposes an extension to technology acceptance model (TAM) to analyse the significance of monetary benefits and information reliability on customers' intention to use social media.Design/methodology/approachThe sample was drawn from social media users of north-western region of India (n = 622). The proposed model was tested using exploratory factor analysis and structural equation modelling.FindingsResults indicate that monetary benefits and perceived ease of use have significant influence on customers' intention to use social media, while information reliability and monetary benefits significantly influence only through perceived usefulness.Practical implicationsThe findings are valuable to marketers to acknowledge the potential of social media to reach to masses by providing timely and reliable information. The study also reveals that website/app developers should implement a user-friendly interface and reliable content to influence customers' usage behaviour.Originality/valueThe study is a unique attempt to examine the effect of monetary benefits and information reliability with TAM's key constructs in the context of social media adoption. Studies undertaken aforementioned dimensions are mainly concerned with examining direct contribution of social media and its effect on purchase decisions.

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